Base Salary
$142k - $197k/yr
Responsibilities
- Design, build, and maintain scalable backend services for automated verification workflows, financial data integrations, and approval decisioning.
- Develop distributed systems, service-to-service APIs, and event-driven services for reusable verification capabilities across lending products.
- Build financial data connection and lifecycle-management platform capabilities that reduce operational overhead.
- Integrate data, decisioning logic, and machine learning models into production systems with correctness and auditability.
- Improve reliability through automated testing, monitoring, observability, and operational practices.
- Contribute to platform architecture, engineering standards, and shared infrastructure.
Requirements
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience.
- At least 3 years of professional software engineering experience.
- At least 3 years of backend application development experience using Kotlin, Java, or another object-oriented programming language.
- Experience designing, building, and operating distributed systems with service-to-service APIs and event-driven architectures.
- Experience building and maintaining scalable backend services for business-critical or financial data in production.
- Experience contributing to decision engines that integrate with machine learning models.
- Experience writing production-quality code supported by automated testing, monitoring, and observability.
- Preferred: knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems.
- Preferred: experience integrating third-party financial data providers such as Plaid.
- Preferred: experience with rule engines, workflow orchestration platforms, automated decisioning systems, or reusable platform services.
- Preferred: knowledge of integrating, monitoring, and evaluating machine learning models in production.
Benefits
- Remote work in the United States, with most teams meeting in person once or twice per quarter for 2–4 consecutive days.
- Competitive base pay, bonus opportunities, and annual equity grants.
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
- Employee Stock Purchase Plan for eligible US employees.
- Medical, dental, vision, wellness resources, and Health Savings Account contributions for eligible US plans.
- Life insurance, disability coverage, paid time off, sick leave, and company holidays.
- Paid family and parental leave plus fertility, parenthood, and caregiving benefits.
- Employee Assistance Program and financial wellness resources.
- Annual wellness and productivity allowances.
- Team events, company updates, employee resource groups, and office perks including catered lunches and stocked micro-kitchens.
About Upstart
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org